Bright Plan

Simple, Smart Education Savings

Tailored investments and managed growth

The Bright Plan RESP evolves as your child ages.

Age-based rebalancing: Bright Plan shifts the investment mix from equities when your child is young, to fixed income assets as they get older. This means you maximize your growth early and preserve your gains as high school graduation approaches.

A global portfolio of ETFs: Exchange traded funds are cost effective. We invest in a pool of global ETFs and diversify risk inexpensively.

Actively tracked and rebalanced: A team of professional portfolio managers actively track and rebalance the portfolio with the objective of delivering secure growth over time.

Strong Value: For a management fee as low as 1.5% (+ tax) per year, your money works for you in our diversified, actively rebalanced fund, designed specifically for education savings.

Full 18 years

If you invest $165 a month from when your child is born, your projected savings could be $56k by the time they’re 18 years old** The projected value, net of all fees, includes contributions, government grant, income on contribution and grant earned to date, future scheduled contributions (if any) and government grants you are expected to accumulate. The projected income is estimated from today until your child turns 18 based on a series of annual net rates of return ranging from 4.3% for the 0-2 GlidePath age group to 1.3% for the 15-18 GlidePath age group.

Newborn to 5 year-old

Canadian Fixed Income

Canadian Equities

US Equities

Global Equities

Global Real Estate

Early investments are mainly in global equities

You get higher potential returns

There’s a longer timeframe to absorb market fluctuations

We target net annual returns of 4.3% to 3.9% with a volatility of 8-10%

6 to 11 year old

Canadian Fixed Income

Canadian Equities

US Equities

Global Equities

Global Real Estate

Investments begin to transition towards fixed income

Your earlier equity gains are protected

There’s more insulation from market fluctuations

We target net annual returns of 3.8% to 3.2% with a volatility of 6-8%

Learning Centre

Bright Plan™ is only sold by Prospectus. Investors should read the Prospectus before making an investment decision because it includes important detailed information. Download the Plan Summary and Detailed Plan Disclosure – Prospectus or call us at 1-800-461-7100 or local telephone number 416-849-5788 to receive a copy.